Michael T. Bates
Executive Director/Managing Attorney
USAA Federal Savings Bank

Michael T. Bates is an Executive Director and Managing Attorney at USAA, Federal Savings Bank where he provides support to the Bank’s Member Debt Solutions Team on issues pertaining to consumer bankruptcy, collections, repossessions, foreclosures and other default-related servicing issues.  Prior to joining USAA, Mike was a Vice President and Assistant General Counsel at JPMorgan Chase & Co. where he provided legal advice to Chase’s mortgage banking bankruptcy group.  Mike also served for over 21 years as a Senior Vice President and Senior Company Counsel for Wells Fargo & Company where he provided legal advice to all of Wells Fargo’s consumer bankruptcy groups.  Mike is a graduate of Hamline University School of Law (with honors) and Iowa State University and he is admitted to practice in Texas, Minnesota and Iowa.  Mike just completed his term as a Commissioner on the ABI Consumer Bankruptcy Commission and he is an active member in the NACTT, where he currently serves as a co-chair of the NACTT Mortgage Committee.